1、近年来越来越多的大学生开始使用信用卡
　　2、分析产生该现象的原因
　　3、针对大学生使用信用卡提出你的建议
　　On Credit Card
　　At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests.
　　Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off.
　　On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn’t afford to ignore a conspicious fact: in most cases, parents are our sole financial sources.Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents.
　　【重点英语句型】
　　使用信用卡的原因：
　　减轻贫困学生的经济负担
　　a credit card can help release financial burdens on those poor students.
　　使用者能够方便地获得很多优惠
　　Credit cards enable its users to obtain more service conveniently.
　　解决的措施和建议：
　　学生不能过度依赖卡，否则他们会养成过度消费的坏习惯。
　　Students should not rely on this excessively, or they will inevitably form a habit of over-consumption.
　　学生应该将信用卡用在合适的地方。
　　Students should use credit cards for some useful purpose.
　　只有这样我们才能真正享受信用卡的好处。
　　Only in this way can college students enjoy really the advantages of credit cards.
 

（实习编辑：朱琳）

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